Sorry for the 1,000,000th question on ACA, but the forum search keeps giving me database errors. Here's my question and dilemma. I'm marginally FIRE and I'm going to take a sabbatical and/or trial run at FIRE. I've been looking at ACA and CHIP plans for when I lose my employer plan. If I don't make another dime the rest of the year I'm roughly around 200% of FPL. So I'm well above the Medicaid level. I'm in the range for the kids to qualify for CHIP (it's called CHP+ here in Colorado). However I don't know what my total income for the year will be. I plan to test out part time contract work so I may go over the 260% FPL for the kids to qualify for CHIP. My understanding is if the kids qualify for CHIP but I choose a marketplace plan instead, I cannot get a subsidy. Is this just for the kids portion or everyone? What happens if I choose CHIP but go over 260% FPL at the end of the year? Should I just put everyone on an ACA marketplace plan and "fabricate" some income with Roth conversions to get above the 260% level and still get subsidies?
Thanks in advance.